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Insurance and annuity products are offered through Kirk Financial Group, LLC (“KFG”). Purchasers of these products are subject to the terms and conditions of the policies and contracts of the issuing companies. All product guarantees depend on the insurance company’s financial strength and claims-paying ability. KFG is not an investment adviser and therefore does not provide investment advice through this website. The content of this website is limited to general information about products and services that are provided by KFG for United States residents residing in states where providing such information is permissible. Should you desire to obtain investment advisory services, you may contact our affiliate, Kirk Investment Advisors, LLC (“KIA”), a registered investment adviser. For additional information about KIA, please contact KIA at (410) 381-8007 or by email at chris@kirkinvestmentadvisors.com.